Some
home loans may have special features such as mortgage offset
accounts which help you to reduce the amount of interest paid on
your loan. Not all home loans have these features. You should ask
what features are available, and whether they will cost you extra.
You may also be able to transfer your loan from one property to
another. Be careful! not every loan has these features. If you want
anything other than standard features on your home loan make sure
that you arrange it with your lender when you take out the loan. It
may be too late after you have signed the loan contract.

The
Consumer Credit Code provides protection for consumers in certain
circumstances. You should find out whether it helps you with your
problem.

You
should first try to resolve the matter directly with the lender. If
you are unable to reach an agreement you may be able to refer the
matter to an external dispute resolution body such as the Australian
Banking Industry Ombudsman.

Ask
your home loan lender for written information of any dispute
resolution plan that applies.